Product profile
Description
Pays out a guaranteed cash sum if you are diagnosed with a specified critical illness or you are diagnosed as totally and permanently disabled or you die or are diagnosed with a terminal illness.
For
- Aged 18 to 64
- Employees, self employed, part timers, and contract workers
Maximum amount payable
Critical illnesses covered
-
Alzheimer's disease
-
Aorta graft surgery
-
Aplastic anaemia
-
Bacterial meningitis
-
Benign brain tumour
-
Blindness
-
Cancer
-
Cardiomyopathy
-
Coma
-
Coronary artery by-pass graft surgery
-
Creutzfeldt-Jakob Disease
-
Deafness
-
Heart attack
-
Heart valve replacement or repair
-
HIV infection from assault
-
HIV infection from blood transfusion
-
HIV infection at work
-
Kidney failure
-
Liver failure
-
Loss of hands or feet
-
Loss of independent existence
-
Loss of speech
-
Major organ transplant
-
Motor neurone disease
-
Multiple sclerosis
-
Open heart surgery
-
Paralysis of limbs
-
Parkinson's disease
-
Pre-senile dementia
-
Primary pulmonary hypertension
-
Progressive supra nuclear palsy
-
Severe lung disease
-
Stroke
-
Systemic lupus erythematosus
-
Third degree burns
-
Traumatic head injury
Not covered
- Any illness not specified
Period of cover
- Minimum five years
- Maximum 40 years
- Cover ends at age 75
Benefits
- You choose the amount
- Premium reviewable after 5 years
- Children's critical illness included
- Cover increase option
- Personal nurse advisor
- Home visit from nurse or therapist or counsellor
- Legal and medical helpline
- Career helpline
- Personal helpline
- Discounted health screening
- Discounted health club membership
- Discounted health products
Options
- Guaranteed or reviewable premium
- Level lump sum
- Increasing lump sum
- Decreasing lump sum
- Level income
- Increasing income
- Indexation
- Index linking
Last updated: 30 October 2008
